Quote:
Originally Posted by Britster  Question -- so, for example, if I got insurance for Jackson now (who is now 2.5yrs old and perfectly healthy thus far) and let's say... 2 years from now, he gets diagnosed with LP and needs surgery. It won't be covered, right? Because the vet never noted anything at his first puppy visits about his knees or anything. |
I think the insurance companies vary.. When I spoke with the Trupanion rep the way she explained it to me is, If their are no symptoms prior to coverage then their is no reason this could be a "pre-existing" condition. Basically She said as long as she is healthy she is covered. Trupanion does not require a vet check before covering insurance.
I know this is different with Pet Plan as mentioned previously... they require a vet check concerning LP.
The reason I went with Trupanion is there is no life time limit. And it covers the catastrophic cases. It does not unfortunelty cover vet visits, dentals or any preventative care.
This, I am ok with. I can plan for my yearly vet visits, dentals, etc. Plus, the plans that offer preventative care, can get expensive a month. For me, It's the crazy stuff like LP, Liver Shunts, Kidney disease, HGE that I can't plan for.
I pay 39 for Taycie a month, this covers Hip displaysia if added before their first birthday. I also Opted for no deductible. You can also choose your deductible from 50 up to 1000.